How to read your insurance policy (without the headache)

Your policy looks dense, but a few sections tell you almost everything. Start with the declarations page — it summarizes your coverages, limits, and deductibles.

Sections to find

• Declarations — who/what is covered and limits.
• Insuring agreement — what's covered.
• Exclusions — what's not.
• Conditions — your responsibilities.
• Endorsements — add-ons that change the policy.